Credit Analyst

Roles & Responsibilities

• Set credit guidelines for their respective areas of responsibility to meet business objectives and control Accounts Receivable risk exposure.
• Evaluate customers and country risks within the guideline of the credit policy.
• Understanding and ensure compliance with established credit standards, policies, and procedures and monitor credit exposures.
• Contribute to optimize the working capital of the Enterprise by efficient Account Receivable management, in conjunction with the Business, Sales and Finance groups.
• Implement the global credit strategy in the respective areas of responsibility.
• Maintaining an efficient risk management system – including business and country risk – for the customers company’s portfolio in order to allow and steer prompt decision making.
• Working co-operatively with Business and Sales management to assess credit worthiness of customers.
• Preventing, reducing and managing credit losses when occurred.
• Consulting business and sales on developing business in markets/customers with high credit risk.
• Propose and implement long term solutions with problematic or high maintenance customers.
• Support Credit Assistants in managing cash collection, cash activities and trade finance tasks.
• Developing financial strategies to reduce / hedge exposure qt customers / markets with high credit risk.
• Participate and/or lead credit related projects.
• Consult / support the credit manager on improvements regarding credit processes and procedures.
• Back up the credit manager in her/his temporary absence/unavailability.

Min. Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, or other related area – or at least 5 years’ experience in a credit function with a non-business degree.
• Analytical skills with the ability to propose creative ideas to conduct business in risky environments.
• Good interpersonal communication, reporting and presentation skills.
• Ability to work in a team in a multinational environment.
• Self-starter, proactive, able to take initiatives as well as to take quick decisions based on calculated risks.
• Strong work ethic and ability to work in a fast-paced environment.
• Leadership and ability to develop others: coaching and mentoring skills.
• Determination, energy and positive influence skills.
• Contextual thinking: understanding the impact of actions/decisions on the whole credit / business / SC process. #LI-BG1

Competencies